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Experience: I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.

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Good afternoon,

I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.

HR 1314 was the Budget Act that was passed and it covers hundreds of issues only some of them social security related. Most of the changes relate to people receiving disability benefits, and I presume that is not your situation.

The social security loopholes/benefits that were lost were the ability to file and suspend your own benefit so a spouse can take an immediate spouse benefit, and if you were born after January 2, 1954, you lose the ability to file for a restricted benefit at age 66---taking ONLY a spouse benefit while allowing your own benefit to continue to grow.

You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.

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Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.